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AUG/SEPT 2020 Issue 4/Vol 16

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CLOSING AUG 7

Publisher Bob Schwartz & Company Associate Publisher Wolf Enterprises Creative Director Maria Cummings-Miller National Marketing Director Jennifer Schwartz

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Display Advertising: 1-717-426-2438 HomeBusinessAdvertiser.com Home Business Advertiser® is published bi-monthly by Bob Schwartz & Company. All material within is copyright protected by the publisher. All submissions are handled with care; we assume no responsibility for unsolicited materials. Although all advertisers are believed to be honest and truthful, the publisher accepts no responsibility or liability for the conduct of the advertisers in this publication. The publisher recommends consulting legal counsel before entering into any business relationship. Please notify the publisher if any misconduct is detected. IMPORTANT CONSUMER DISCLOSURE The term “advertorial” is a combination of “advertisement” and “editorial” written in an editorial format as an independent news story, when in fact the advertisement may promote a particular product or interest. Advertorials are only illustrative of what might be achievable and that they should not be taken literally.

All advertisers are responsible for content of their own ads. Thank you for advertising! 6

Bob & Jenn Schwartz at a Business Meeting

Thank you for

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By Dr. Dick Pritchard

Dr. Dick’s Downline Building by Mail:

A Brave New Multi-Media World If you’ve been reading my columns for any period of time, you know that I built my (still growing!) referral marketing business to the three-quarter MILLION plus level with POSTCARDS and direct postal mail. I started more than 10 years ago using only postcards. As time went on, I added print ads and a fully automated letter system. Of course, some things have changed since the beginning. Early on, we observed that roughly 40 per cent of those who responded to the postcards did not have email or access to the Internet. Most of the people on mailing lists are older, so this was kind of understandable, even 10 years ago. As time went on, more and more of those who responded had email and Internet access via smart phones, pads, or laptops. Many older people were drawn to social media to keep track of family, grandchildren, and old classmates. No, they weren’t computer gurus, but they knew how to send and receive email and how to get to a website. That was huge. What this means for the longer term is, we can now begin to move forward to multi-media advertising and recruiting. Most people think the Internet is a marketing platform. It is not. It is simply another form of MEDIA like postal mail, newspaper and magazines, radio/TV, texting, etc. Any and all of these can be used to promote a referral marketing business. Most builders have not found a good way to COMBINE these multiple types of media into a cohesive force. That is where we are planning to go next.

Imagine the following scenario: You drive SOME people to a website using postal mail or print ads. You gather postal mail addresses from other people who visit the website via online ads or word of mouth. You create an online HUB where ALL those people can gather to learn how to build their business WITH YOU and emerge as leaders who can help carry the load with a massive sales organization. The HUB has a library of information of how your multiple SYSTEMS work. It has an FAQ section for those questions that come up over and over again – saving YOU the time required to respond by mail, email or phone. You could even charge a small monthly fee for those who want to use the HUB – or you may want to provide it free of charge to encourage more of your members to use it. Because it becomes more valuable as more members get engaged. What the HUB really does is create CONNECTION – a critical requirement if you are building a business with people you have never met in person from all over the country – or even all over the planet.

went through all that years ago when I had a blog. Never again! What if I told you, that very soon, in the next few months, a set of TOOLS will become available for anyone with modest computer skills to build such a site? Where and when, you say? For now, that’s my little secret. The “launch” will happen sometime in the next few months. When it does, I will not only be using it – I will let my readers know where and how they can use it, too. As I’ve said before, the future belongs to those who THINK and INNOVATE. And that’s what Dr. Dick is all about.

You can contact Dr. Dick at Dr. R. H. Pritchard, PO Box 340040, Columbus, OH 43234. Also see his book at BabyBoomerRockStar.com, his YouTube channel at www.youtube.com/c/DrDickPritchard and his ad on page 3.

In the old days of hotel meetings and warm markets, this connection was achieved by weekly meetings and monthly rallies. Those are long gone. What is missing in the brave new “Internet” world is CONNECTION. All this begs the question: how can a leader who is not a web programming guru create such a HUB? Of course, you can hire out the work at major expense and likely frustration as you change details on the site. I

God Bless America! www.HomeBusinessAdvertiser.com

CA$H ON $TEROIDS -LIMITED PRIVATE ACTIVITY, BY INVITATION ONLYA VERY SPECIAL MESSAGE FROM THE FOUNDERS, LES AND GENE We know something about you: * You have a need!

* You are living paycheck to paycheck!

* You need to supplement your Retirement! * You have been praying for a Financial Miracle!

WHAT SOME OF OUR MEMBERS ARE SAYING ABOUT CA$H ON $TEROIDS… Lon L:

“I LOVE knowing that my direct members can make more money than I can! No pyramid

scheme here! You take action, you make money! I LOVE that COS has live conference calls twice a week where a group of like-minded people get together. And I LOVE Gene and Les! They are just like us! They are down to earth, honest and full of integrity. They want to make a difference in the lives of others…”

Rick H: “When I received my Cash On Steroids invitation, I read it, …twice! What I saw off the top was the simplicity! Two pages, not 3,4,5…The program was laid out so simply. I wouldn’t need to “recruit” 10-15 people a month and hope they could do the same. I joined the next day, sent out my first mailings Dec. 31st, had 2 people join the first month, and I haven’t looked back.”

Cathy C: “Hi, I’m Cathy.

I feel blessed and so pleased to have joined Cash on Steroids. Gene and Les

truly care for their members and work hard in helping us succeed. They REALLY DO call your prospects and answer their questions. In 6 weeks of mailing, I have personally sponsored quite a few people and now they are bringing in new members. I’m proud to be part of Cash On Steroids.”

Lennie P: “I joined the first week of March, 2020. I signed up 2 on my first week’s mailing. This program promoting 12 letters a day for a minimum commitment of 3 months can be a fire your boss opportunity! A year from now you will wish you had started today.”

NEED A FINANCIAL SOLUTION? NEED A LITTLE “HOPE”? NEED A COMMUNITY TO HELP YOU? LEARN WHAT THESE MEMBERS SAW WHEN THEY GOT THEIR INVITATION…

RECORDED MESSAGE (888) 206-3031 43

www.CashOnSteroids.net God Bless America! To Advertise: 717-426-2438

CA$H ON $TEROIDS

-LIMITED PRIVATE ACTIVITY, BY INVITATION ONLY-

WOULD YOU CONSISTENTLY MAIL 12 LETTERS A DAY IF YOU REALLY BELIEVED IT POSSIBLE TO CHANGE YOUR FINANCIAL LIFE? Are you living paycheck to paycheck? According to Forbes, 78% of U. S. workers are and nearly 3 in 4 workers say they are in debt and more than half think they always will be. 65% of Americans save little or nothing and many must work more than one job to make ends meet. 72% of retired people struggle financially because of life's circumstances. These numbers are alarming and the reason tens of thousands are searching daily for additional income. Cash on Steroids could be the answer to your prayers. This is your invitation that could stabilize your financial future. If you see yourself in any of these statistics, you must check this activity out now. Membership is by invitation only from an active member.

CERTAINLY, THERE IS A MODEST COST TO GET STARTED, BUT THE REWARDS CAN COME QUICKLY AND CONSISTENTLY. ALL NEW MEMBERS ARE REQUIRED TO MAIL A MINIMUM OF 12 LETTERS A DAY, 72 A WEEK FOR A PERIOD OF 3 MONTHS. THE MORE YOU MAIL, THE FASTER YOU GET PAID. IT IS EXPECTED THAT YOU SHOULD BE CASH POSITIVE QUICKLY AND THEN NO MORE OUT OF POCKET EXPENSE, EVER. The cost of the program is $500. That’s it, no upgrades or additional cost, but the rewards are astronomical when you understand the power of your name in Box #3. There are three (3) steps you must take to join and get set up in the system. First send $100 cash or money order to the COS Admin in Box #1. Second and third send $200 cash or money order to the persons in Box #2 and Box #3. Once payments are verified, you will receive your Welcome Kit that includes your custom invitation and membership application with your name and contact info in Box #2 and your inviter’s name and contact info in Box #3 along with the instructions and other valuable information. The supplier list alone is worth the cost of the program because of the savings on postage, printing and mailing lists. A good example is buying Forever Stamps for 32 to 37 cents, plus getting quality, professional printing done at a fraction of the cost of your local printer. Please pay close attention to this. When you have members join by your marketing efforts, your name goes in Box #3 and will be on every invitation and membership application your members ever send out. This is the leveraged power of this program. When you get 25, 50 or 100 members under you over time, your name is on every one of their applications and when they receive $200, you also receive $200. Do the math, if you only get 2 members every month and your members get only 2 members per month, in a very short period of time your residual income grows to the point that you can do anything you want because the money keeps coming. So simple, Yet so profound! COS Admin provides everything for you in your Home Based Direct Marketing System. When your members join, we verify that payments have been received so nobody can short cut the system. Can you imagine getting multiple $200 payments in the mail over and over again? This is your invitation to join what is anticipated to be the most successful and talked about home-based business opportunity on the planet. Before you make a decision, be sure to call the message line below and contact your inviter and/or the COS Admin office. Get the facts, and then decide. You’ll be glad you did. Please print your information clearly on the application. All payments must be in cash/money order unless approved by the COS Admin and your inviter.

DIAL RECORDED MESSAGE (888) 206-3031 – www.CashOnSteroids.net

God Bless America! To Advertise: 717-426-2438

- CA$H ON $TEROIDS INVITATION & MEMBERSHIP APPLICATION PLEASE PRINT CLEARLY YOUR INFORMATION BELOW TO BE CONSIDERED FOR MEMBERSHIP IN COS. AS PREVIOUSLY STATED, THIS IS A PRIVATE ACTIVITY AND MEMBERSHIP IS BY INVITATION ONLY. DO NOT JOIN IF YOU CANNOT COMMIT TO THE MAILING REQUIREMENTS. YOU MUST BE INVITED BY AN ACTIVE MEMBER IN GOOD STANDING. ONCE YOU’RE SET UP IN THE SYSTEM, YOUR NAME GOES IN BOX #2. WHEN MEMBERS JOIN UNDER YOU, YOUR NAME IS MOVED TO BOX #3 AND REMAINS THERE PERMANENTLY SO THAT YOU’RE PAID EVERY TIME YOUR MEMBER GETS PAID. DO THE MATH, IT WILL BLOW YOUR MIND. RESIDUAL INCOME ON STEROIDS! YOUR NAME ON THOUSANDS OF MEMBERSHIP APPLICATIONS MAILED EVERY DAY BY YOUR MEMBERS AT NO COST TO YOU. SO SIMPLE! YET SO PROFOUND!

Rush a one-time purchase and membership fee of $100 cash/money order to COS Admin in Box #1. Send $200 cash/money order to the persons in Box #2 and Box #3. After payments are verified, COS Admin will mail your Direct Mail Marketing System along with detailed instructions. Your mailer/flyer will be customized with your name in Box #2 and your inviter’s name in Box #3. When your members join, your name will go in Box #3 and will be on every application your member mails. In a very short period of time your name could be on thousands of applications and you could receive hundreds of $200 payments from all over the country without any effort on your part. This concept is proven successful and can work for anyone regardless of age or skill set. PRIORITY MAIL IS RECOMMENDED WHEN SENDING CASH PAYMENTS BOX #BOX 1 #1 C. O. S.COS Admin ADMIN P. O. BOX P.O.2309 BOX 255 SYLACAUGA, AL 35150 TOUGHKENAMON, PA 19374 (256) 210-1072 256-210-1072 COSx72@gmail.com cosxx72@gmail.com SEND$100 $100.00 COPY THIS PAGE Send CashWITH and/or MO OF with a copy of this page

BOX#2 #2 BOX THOMPSON JAN orLES SCOTT SONKEN, CPA STREET 12242307 W LEE Morning Vista Dr SYLACAUGA, Peoria, AZ 85383AL. 35151 (256) 210-1940 623-297-5600 lthom3000@yahoo.com bussuccess4u@gmail.com

SENDand/or $200.00MO WITH A COPY OF THIS PAGE Send $200 Cash with a copy of this page

BOX #3 L. WALTON PO Box 264 Naples, FL 34106 239-234-4395 dmsvs1998@gmail.com

SEND $200.00 WITH A COPY OFof THIS PAGE Send $200 Cash and/or MO with a copy this page

********************************************************************************************* Name:______________________________________________________ Phone________________________________ Address:_____________________________________________________ E-Mail________________________________ City:_______________________________________________________ State________ Zip Code___________________ DISCLAIMER: This is a Private Activity. There are no guarantees of income and no refunds offered after membership is processed. This program involves the sale of a Home Based Direct Mail Marketing System containing: “Instructions for Success, Do’s & Don’ts for DM Marketing, Recommended Discount Suppliers, Sources for Discount Forever Stamps” and much more. It involves the payment of referral fees to others who also sell this package. This is not a GIFTING CLUB. All potential buyers become independent representatives and we are not responsible for 1099’s or W-2’s nor do we track income of members. VOID WHERE PROHIBITED BY LAW. Only one member per family, living in the same household/address, will be permitted.

DO YOU WANT YOUR PHONE NUMBER ON YOUR FLYER? YES ___ NO ___ E-MAIL ADDRESS? YES ___ NO ___ (AT LEAST ONE RECOMMENDED)

I understand that the strength of COS is every member mailing at least 12 letters a day. By my initials, I hereby commit myself, for a period of three months, to mail an average of _____ letters per week. ______ INITIAL

God Bless America! www.HomeBusinessAdvertiser.com

E ...

ENVELOPE FILLERS WANTED! GET PAID TO FILL ENVELOPES AND MAIL LETTERS FROM YOUR HOME OR APARTMENT!

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ver se s.

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THIS IS 100% REAL! You Can Immediately Begin Earning a REAL Income Working At Home By Mailing Letters! You Do NOT Pay for Printing, Postage, Mailing Lists Or Any Supplies And Your Income Does NOT Depend On Anyone Buying Any Products! You Earn Money Based Completely On The Work You Do! If You Can Insert A Letter Into An Envelope And Drop It In The Mail, You Can Easily Earn A Real Weekly Income Working At Home!

First of all, let me assure you this has NOTHING to do with mail order, gifting programs, chain letters and this is NOT another one of those envelope-stuffing scams! This is a 100% legitimate opportunity to make up to $100 to $750 or more in extra income simply mailing letters from home! Could you use an extra $200, $500, even $750 or more? If you can spare an hour or more a day you can easily earn a real income working from home! Doing this simple mail work, you can make all the money you need and then some!

“THIS IS AN HONEST, LEGITIMATE WAY TO MAKE THE MONEY YOU NEED FROM WORKING AT HOME!”

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GET PAID TO FILL ENVELOPES ORDER FORM

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NAME _________________________________________________________________ ADDRESS_______________________ CITY/STATE/ZIP_________________________

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RUSH Coupon with $35.00 or Add $10.00/PRIORITY Handling!

YOU CAN COLLECT UP TO $750 OR MOREAEVERY WEEK WITH A LITTLE RECEIVE CERTIFIED CHECK FOR KNOWN GOVERNMENT SERVICE UP TO $500 OR MORE JUST FOR THAT EVERYONE QUALIFIES FOR!

MAILING IN THE CASH This Is Absolutely True! AndSIMPLE It Has Nothing To Do With Government Grants or Social Security Benefits ... This Is Like FORM I GIVE YOU! Nothing You Have Ever Seen Before! Collecting Up To $750 or

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STEP 1: Use specialThis form (that IIsgive you) and it out More Every Weeka Using Service So Simple andfillEasy ... the I tell Flat youYou (it's Can easy,Beit'llReceiving take about 3 minutes!)... In way No Time This Money Too! 2: Mail that form to any one of hundreds of special YOU CAN MAKE UPSTEP TO $750 EVERY WEEK USING THIS SERVICE! contacts that only I and select others know about ... e Hello, my name is Derrick Dennis and I want to tell you about this amazing iv e c e R STEP 3: Receive a certified check for up to $500 or more hecks that I accidentally stumbled for for a ultiple cprogram msecret to in mere days or a coupleupon weekswhile - thisIiswas real looking money just up wayforto 0get the money I needed. Let me tell you, now that I know about this you (you can easily get multiple checks from one source) I $5 0 to can’torwait ...4:you can make more as money every More! tell everyone STEP Repeat this process desired … week from a

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This NOTHING to do withorGovernment NetworkWell Marketing, like has to make up to $750 more everyGrants, week Loans, from home? guess Online Casinos, RealREAL, EstateIRip Offs,you! or any ridiculous Get Rich Schemes! what, THIS IS 100% assure There is no need to stock tons of Imagine what do if you checks for up to to $500 again products, buyyoua could franchise or received try to sell anything familyOrormore friends. and As impossible as it sounds — itsPROGRAM real — in fact, I promise you TO will THISagain! AMAZING YET LITTLE KNOWN IS AVAILABLE receive checks for UP to $500 or more using my system or I'll send you a full EVERYONE AND TRUST ME, YOU CAN MAKE MONEY DOING THIS refund for proving me wrong! Use my system and in just 15 days, you really can TOO! That’s Believe checks me, there is absolutely no catch to this! receive one orit! multiple totaling up to $500 or more. With this insider knowledge I'm finally revealing to the general public, you can mail a little-known IN JUST 10 TO 14 DAYS YOU COULD BE MAKING REAL MONEY! form any time you have money needs to get a check in the mail to cover it. Money � Yes! Please rush me your SECRET GOVERNMENT MONEY BOOK! problems will be a thing of the past! This is like having a quiet stash of cash available you need it. Finally you can fill your pockets with free money! NAME as __________________________________________ Send Your Name & Address Today!

ADDRESS_______________________________________ NAME ____________________ADDRESS____________________________________ CITY/STATE/ZIP___________________________________ CITY/STATE/ZIP_______________________________________________________________ HORTCO, BOX 2011-HBK, Illinois 60690-2011 -HBA, Chicago, HORTCO, BOX 2011-HBA, Chicago, Illinois 60690-2011

RUSH Coupon $35.00 orwith Add $10.00/PRIORITY Handling! RUSH Coupon $25.00 $35.00 RUSH $5.00with and LSASE TODAY! GETToday! RESULTS!

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Basically, all you need to do is ask for a chunk of the money, and it’s yours But if you don’t ask, you’re never going to get any. Simply for the asking I received checks almost daily. As an example, this is a record of the checks I received over a 27 day period in February … Dear Friend, I’ve just tapped into a 7 Billion Dollar Annual Government Day 1 …. $24,817 slush fund. A 7 billion dollar free for all, that’s ours for the Day 2 .… $25,220 taking! A 7 billion government subsidy not earmarked for Day 7 …. $37,029 anyone. Seriously, you don’t even need to be a U.S. citizen to Day 8 .… $23,455 get your hands on it! Pure and simple, it’s 7 billion dollars a Day 11 .… $20,255 year for you and I to divvy up! Get Your Share. Free Money!

Day 12 …. $24,591 Day 16 …. $39,758 Day 18 …. $24,161 Day 20 …. $27,421 Day 21 …. $27,435 Day 27 …. $66,896

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Introducing the Prosperity Home Network! A Simple and Proven Home-Based Direct Mail and Online Program That Will Put Payments of $100 - $2000 in Your Pocket Daily by Simply Sharing This Flyer!

This FLYER will deliver CASH in your mailbox, 6 days a week … Hello! Bruce here along with my family from San Diego. After 25 years of working every kind of home business program you can think of my wife Patty and I got tired of seeing people struggle to make any real money and with real money being at least $500 to $1,000 per week, so we decided to do something about it. Call our 24hr recorded overview at (800)-709-4698 for details and read every word on this flyer. It could change your life. Yes, it’s true! Our program will put payments of $100-$2000 in your pocket daily by you simply sharing your copy of this exact same flyer then, letting our team do the rest of the work. This has nothing to do with any ridiculous envelope stuffing program, illegal chain letter scam, MLM or cash gifting! Look, people want to make money but do not need a program to turn into a second job. That is why we created the Prosperity Home Network program . We created this system for YOU! With over 25 years’ experience working from home, my wife and I know what works and we know what does not work and we know what people want. PEOPLE JUST WANT TO MAKE MONEY!

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“Biblical Keys to Network Marketing!” by Paul Mason The Holy Bible is the eternal guide book for success in every facet of life, the network marketing industry being no exception. And, for true success and blessing, both temporal and eternal, one must put the eternal first. In fact, Jesus Christ, gave us the model for networking. He recruited 12 men, taught them the principles and sent them out to recruit others with the world’s most valuable message (God’s Salvation) that promises blessing for this life and the life to come. A product so costly that no one can afford the price, which He himself purchased at Calvary, and now offers without cost, as a free gift, to all who will accept it. Seems strange that multitudes reject the greatest offer of all time. (Eternal Life). The Biblical principles of networking apply to every-one, but especially those who profess faith in its author, Jesus Christ. Saint Matthew, in his gospel, records the words of Christ, “ Seek ye first the kingdom of God, and His righteousness; and all (needful) things will be added unto you.” (Matt.6:33) But we, as mortals, are so short sighted, just like the rich man in Luke’s gospel who stored up riches only for his own benefit. God called him a fool because he had no regard, or time, for God, for others, or any preparation for eternity. The apostle Paul wrote, “If in this life only we have hope, we are of all men most miserable”, and three of the gospel writers sound the warning, “What shall it profit a man if he gain the whole world and lose his own soul?” Sorry to say, we live in a materialistic world and even many MLM companies are structured to benefit the greedy, rather than the needy. Seems that most who are pursuing the many opportunities being offered are primarily interested in the earning potential (Does it have the potential to make me rich?” It 48

has been said that if we help others get what they need we will have no lack of the things we need. Those who covet riches, to consume upon their own lust, will fall into temptation and many foolish and harmful desires which plunge men (and women) into ruin and destruction. (1 Timothy 6:9) Anyone who thinks they must have more material “things” to be successful, is believing a lie! Any time a person is more interested in selling a product than ministering to some ones need, that person is only serving their own selfish desires. “The liberal soul shall be blessed and he that blesses will himself be blessed.” (Proverbs 11:25) Multi-level marketing requires two basic ingredients, according to the Biblical definition; first, service to God, and

second, service to others. The wisest man who ever lived (second only to Christ) and learned many lessons the hard way said,”He who loves money will never be satisfied with money, nor he who loves abundance with it’s income.” (Ecclesiastes 5:10) Remember the “law of the harvest”.(Galatians 6:7) We reap only after we sow. We reap what we so. We reap more than we sow, whether good or evil. (What goes around comes around). We must sow only good seed, into good ground and carefully tend and nourish the resulting crop all the way to fruition. “Let us not become weary in well doing: for in due season we shall reap, if we faint not.” (Galatians 6:9) Only one life, will soon be past. Only what’s done for Christ will last.

Paul and Eunice soon will celebrate their “65th Wedding Anniversary”, along with as many years in Network Marketing! Having researched hundreds of companies over those years, feel they have found the best one of them all!

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